From his nearly 50-year banking career to his civic pride in Northeast Tennessee, Larry Estepp is the embodiment of a community banker. Beginning in 1973, Estepp spent nearly four decades with First Tennessee Bank before joining Elizabethton’s Citizens Bank in 2011. After serving as executive vice president of commercial lending, he was tapped as the bank’s seventh president in 2018. Under his leadership, the institution’s assets crossed the $1 billion threshold. Estepp has held leadership positions in numerous community, professional, business development and charitable organizations. For his efforts, Estepp has received several awards, including Kingsport Chamber Distinguished Leadership Award, and Washington County Ruritan of the Year.